Best direct sales and agent sales property and casualty company. Past history strong.

Monopoly in its field and has strong cash flow and I believe eventually dividends will become more prominent.

Bank of America represents the best consumer bank in the US. I feel eventually they will expand to more international presence. Their growth and dividend is attractive and I feel they will continue their trends.

Company is sole owner of CDMA digital technology and their business form will enable high margins for quite some time to come.

Tyco has good businesses and upon restructuring and spin off of various divisions within about 18 months the total value will be higher.

This biotechnology company has strong balance sheet, good management and their research and development will likely bring forth new profitable products over time.